STABILITY & AFFORDABILITY

KEY INSIGHTS

  • Ellis Act Evictions increased substantially in the USC Area starting in 2018 compared to the city average
  • Rates of 911 Calls about landlord/tenant disputes in the USC Area have been consistently higher than the City average, and they have been concentrated in the Southwest corner of the neighborhood
  • Starting in 2012, mortgage applications for multi-family properties tripled in the USC area, although single family properties still made up the vast mast majority of mortgage applications in every year over the last decade. 
  • The average income of mortgage applicants in the USC Area has increased substantially over the last decade. 
  • The share of mortgage applications from Latino/a households in the USC Area has decreased since 2010, while mortgage applications from white and Asian households have increased. 
  • Black households have experienced higher rates of mortgage application denials than any other racial/ethnic group since 2010, and applications from Black households were denied at higher rates in the USC Area than the Citywide average. 

Ellis Act Evictions


Key Takeaways

  • Ellis Act Evictions have been rising in both the USC Area and across the entire City of Los Angeles in recent years
  • Starting in 2018, Ellis Act Evictions in the USC Area increased substantially compared to the City average
  • Ellis Act Evictions are concentrated in specific parts of the USC Area neighborhood. Residents in Census Tract 2226 (directly west of USC Campus) has experienced the highest number of Ellis Act Evictions (86) since 2007 .


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911 Calls: Landlord Tenant Disputes



Key Takeaways

  • Between 2011 and 2020, 911 Calls regarding Landlord/Tenant Disputes have been consistently higher in the USC Area than the City of Los Angeles as a whole.
  • Landlord/Tenant Dispute Calls are concentrated in specific parts of the USC Area neighborhood. The Southwest Corner of the neighborhood has experienced the most total calls (241) since 2011.


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Multi-Family Mortgages



Key Takeaways

  • Starting in 2012, mortgage applications for multi-family properties tripled in both the USC Area neighborhood and the larger City of Los Angeles.
  • The USC Area neighborhood has had a higher rate of mortgage applications for multi-family properties than the Citywide average in four out of the last six years.
  • Multi-family mortgage applications have been spread throughout various pockets of the USC neighborhood each year. Census Tract 2226 (directly West of USC’s Campus) has had the most applications (25) over the last decade.


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Single Family Mortgages



Key Takeaways

  • Although mortgage applications for multi-family properties have been increasing in the USC area over the last decade, the vast majority of mortgage applications in every year have been for single family properties.
  • Since 2010, denials of single family mortgage applications have been decreasing in both the USC Area neighborhood as well as the larger City of Los Angeles. However, in nine out of the last 10 years, a larger share of single family applications have been denied in the USC Area compared to the Citywide average.
  • Mortgage applications for single family properties have been largely concentrated in the southern and western portions of the neighborhood around USC. Census Tract 2316 (the southwestern corner of the neighborhood) has experienced the most single family mortgage applications since 2010.


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Mortgage Application/Denial Demographics



Key Takeaways

  • Between 2010 and 2020, the average income of mortgage applicants in the USC Area neighborhood increased significantly. The share of applicants with incomes under $69,000 decreased from 42% in 2010 to just 4% in 2020. By contrast, the share of applicants with incomes above $194,000 increased from 10% in 2010 to 53% in 2020.
  • Mortgage applicants in the lowest income group (under $69,000) were equally as likely to receive application denials in the USC Area and the City as a whole, with a 20% denial rate. However, applicants in the middle three income groups (those making $69,000 – 194,000) were more likely to have their applications denied in the USC area than the City as a whole.
  • Between 2010 and 2020, mortgage applications from Latino/a heads of household decreased significantly from 61% in 2010 to 36% in 2020. By contrast, the share of applications from White and Asian heads of household increased over the same period. Black heads of household made up fewer than 10% of mortgage applicants in every year.
  • Mortgage applications from Black heads of household were denied at higher rates than any other racial/ethnic group, and applications from Black households were denied at higher rates in the USC area than the City average.


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